How Can I Make My Harris County, TX Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Harris County, TX covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.

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Select the Suitable Coverage Value for your Harris County, TX Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $60,500 $50,000 $50,000-$75,000
2 Bedroom $93,500 $90,000 $75,000-$100,000
3 Bedroom $203,500 $180,000 $175,000-$200,000
4 Bedroom $266,000 $230,000 $200,000-$250,000
5 Bedroom $132,000 $110,000 $100,000-$125,000

Choose the Best Harris County, TX Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Part Time Job 800-850 Credit Score $25 to 50,000 1 Pet, Non-Smoker $340
Full Time Job Up to 499 Credit Score <$25,000 No Pets, Non-Smoker $1,180
Freelancer 600-649 Credit Score >$150,000 3 Pets, Smoker $170

Choose the Right Deductible for your Harris County, TX Home | Back to Top

Low Deductible ($500) High Deductible ($2500)
Place Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Texas $100 $680 $780 $580 $680 $100
Harris County, TX $1,000 $540 $1,040 $440 $1,440 $-400
Harris County, TX $700 $640 $1,140 $540 $1,240 $-100
Stafford, TX $400 $640 $1,040 $550 $950 $90
Deer Park, TX $1,500 $530 $1,030 $440 $1,940 $-910
Roman Forest, TX $300 $820 $1,120 $680 $980 $140
Stagecoach, TX $700 $930 $1,430 $770 $1,470 $-40
Taylor Lake Village, TX $300 $1,100 $1,400 $930 $1,230 $170
Panorama Village, TX $700 $600 $1,100 $490 $1,190 $-90
Fairchilds, TX $200 $350 $550 $300 $500 $50
Santa Fe, TX $1,000 $640 $1,140 $540 $1,540 $-400
Kenefick, TX $500 $330 $830 $290 $790 $40
Dayton Lakes, TX $1,500 $290 $790 $260 $1,760 $-970

Identify Top Home Insurance Agents near Harris County, TX | Back to Top

Home Insurance Company Harris County, TX Homeowners Insurance Agency Harris County, TX Address Popularity Score Distance from Harris County (miles)
State Farm Marcus Acosta 2750 Strawberry Rd, Pasadena, TX, 77502-5111
17.6
State Farm Ellaina Madera 8804 Jensen Dr, Houston, TX, 77093-7640
3.3
State Farm Noel Lezama 9039 Katy Fwy Ste 240, Houston, TX, 77024-1622
8.7
Allstate Michael Daniels 1337 W 43rd St Ste C, Houston, TX, 77018
3.1
Farmers Jonda Marshall 2002 Fry Rd Ste 111, Houston, TX, 77084
20.0
Liberty Mutual Independent Zuber Insurance Agency Inc 4635 Southwest Fwy Ste 700, Houston, TX, 77027
9.5
Travelers Metro Allied Insurance Agency Texas Llc 2900 Weslayan St Ste 668, Houston, TX, 77027
8.7
Travelers Cravens Warren & Company 10011 W Gulf Bank, Houston, TX, 77040
9.3
Travelers Insurepointe Of Texas Inc 2909 Hillcroft #600, Houston, TX, 77057
10.7
State Farm Bill Bingham 7500 San Felipe St Ste 600, Houston, TX, 77063-1790
9.8

Compare Rates for Harris County, TX Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Texas $128,000 $540 $360 $830 $470
Harris County, TX $132,200 $570 $380 $880 $500
Harris County, TX $132,200 $620 $410 $950 $540
Stafford, TX $151,900 $880 $580 $1,360 $780
Deer Park, TX $130,600 $730 $480 $1,120 $640
Roman Forest, TX $167,200 $990 $650 $1,520 $870
Stagecoach, TX $183,300 $750 $500 $1,160 $660
Taylor Lake Village, TX $199,200 $1,060 $700 $1,630 $930
Panorama Village, TX $147,900 $830 $550 $1,280 $730
Fairchilds, TX $92,000 $430 $280 $660 $380
Santa Fe, TX $128,900 $680 $450 $1,050 $600
Kenefick, TX $62,800 $300 $200 $460 $260
Dayton Lakes, TX $56,700 $230 $150 $350 $200

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